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Health Insurance

Stay financially prepared for medical emergencies with a health plan that covers you and your loved ones.

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ABOUT company Understand the Basics

What Does Health Insurance Mean?

Health insurance is a financial safety net that helps cover medical expenses arising from illness, injury, or hospitalization. In return for regular premiums, your insurer pays for treatments, surgeries, diagnostic tests, or day-care procedures as per the policy terms. Whether it’s a planned procedure or an emergency, a health insurance plan ensures you get the right care—without financial stress.

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Quick, Easy & Reliable

Benefits of Buying Health Insurance Online

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Faster Policy Issuance

Get instant quotes, compare features, and buy your policy in just a few clicks—no paperwork needed.

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Wider Range of Plans

Access options from multiple health insurers with varying coverages, premiums, and features to suit your needs.

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Complete Transparency

Clearly understand what’s covered, what’s not, and make decisions with full confidence and control.

Protect Your Health and Finances

Why Health Insurance Is Essential for Everyone

01

Covers Hospitalization Costs

From room rent to surgeries and post-hospital care, health insurance covers major medical expenses.

02

Cashless Treatment Access

Get treated at network hospitals without paying upfront—your insurer settles the bill directly.

03

Protects Your Savings

Avoid dipping into long-term savings or loans to manage medical emergencies.

04

Annual Health Check-ups

Many health plans offer free preventive check-ups to help you stay informed and healthy.

05

Tax Benefits Under Section 80D

Premiums paid qualify for tax deductions—helping you save while staying protected.

06

Covers Critical Illnesses

Receive a lump sum benefit on diagnosis of serious illnesses like cancer or heart disease, as per plan terms.

Plans That Fit Your Life

Types of Health Insurance You Can Choose From

Individual Health Insurance

Covers a single person’s medical expenses, ideal for self-employed individuals or working professionals.

Family Floater Plan

One policy that covers all family members, offering shared sum insured for greater flexibility.

Senior Citizen Health Plan

Specially designed with higher coverage and age-friendly features for individuals above 60 years.

Critical Illness Plan

Lump sum payout on diagnosis of major illnesses like cancer, stroke, or kidney failure.

Top-Up & Super Top-Up Plan

Extra coverage at low cost—ideal for supplementing existing employer-provided health plans.

Group Health Insurance

Offered by employers for their teams, covering hospitalization and related medical expenses.

Trusted Support, Right Coverage

The Itus Advantage for Health Insurance Buyers

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Plans from Multiple Insurers

Compare policies from leading health insurance providers in one place.

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Transparent Advice

We help you choose what’s best for your health needs—not just what’s available.

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Digital Convenience

Browse, compare, and buy health insurance entirely online in just a few steps.

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Easy Claim Assistance

Get support at every stage—from hospitalization to claim settlement.

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Expert Guidance Anytime

Whether you’re buying for the first time or renewing, our advisors are here to help.

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Flexible Options for All

Plans that suit individuals, families, freelancers, and senior citizens alike.

No Agents, No Delays

Steps to Get Your Health Insurance Online

1. Enter Basic Details

Share your age, city, number of family members, and pre-existing conditions to view matching plans.

2. Compare & Choose

Review plan benefits, network hospitals, exclusions, and premium costs before selecting.

3. Make Payment & Get Policy

Pay securely online and receive your e-policy instantly via email.

Get Support When It’s Needed Most

How to File a Health Insurance Claim

01

Visit a Network Hospital

Choose a partner hospital for cashless claims or any hospital for reimbursement claims.

02

Show Policy Details

Share your health insurance card and fill a pre-authorization or claim form at the hospital.

03

Claim Processing & Settlement

For cashless, the insurer settles directly. For reimbursements, submit bills to get reimbursed quickly.

Everything You Need to Know

Frequently Asked Questions About Health Insurance

Anyone above 18 with financial responsibilities or health risks should consider buying a health insurance policy. It helps you manage medical costs, protects your savings, and ensures access to quality treatment during emergencies.

Experts recommend a minimum sum insured of ₹5–10 lakhs for individuals and ₹10–25 lakhs for families. However, factors like city, lifestyle, age, and existing health issues should be considered when choosing your coverage.

Yes, many health insurance plans do not require medical tests if you're below a certain age and in good health. However, for higher sum assured or if you declare pre-existing conditions, a test may be needed before policy approval.

Cashless hospitalization allows you to get admitted to a network hospital and receive treatment without paying upfront. The insurance company directly settles the bill with the hospital, subject to policy terms and limits.

Yes, but usually after a waiting period of 2–4 years, depending on the insurer and plan. Some plans offer shorter waiting periods or cover select conditions from day one, so it’s important to compare before buying.

Yes, most health insurance plans now cover COVID-19 treatment, including hospitalization, testing, and related medical expenses. Always read the policy document for specific inclusions and claim conditions.

Absolutely. You can port your existing health insurance policy to another insurer during renewal without losing benefits like waiting period credits or no-claim bonuses, provided the new insurer accepts the port request.

No, maternity cover is available in select health insurance plans, often with a waiting period of 2–4 years. It may include delivery expenses, new born cover, and vaccination costs depending on the policy chosen.

Yes, you can enhance your health insurance coverage at the time of renewal. You may choose to increase the sum insured or add top-up/super top-up plans. Some insurers may require fresh medical evaluation depending on your age, health condition, and the amount of increase requested.

A waiting period is the time during which certain treatments or illnesses are not covered after buying the policy. For pre-existing diseases, the waiting period usually ranges between 2 to 4 years. Some policies also have specific waiting periods for maternity and critical illnesses.

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ITUS INSURANCE BROKERS PRIVATE LIMITED, Valid Till date 22 / 10 / 2025,
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